BeenThereDoneThat!
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With respect to those who see real estate as a "super solution" I would not suggest you put it into real estate. In todays society $100K is not a lot of money although it is a nice start and depending on how long you have been holding the money (hopefully in a bank were you collect interest) you can learn alot about life and the people in it. I would suggest you hold on to the money for a period of six months to a year. I know alot of people may disagree and most of those who disagree has never had the chance to hold that amount. If this is a first time for you having that amount of money then I would really stress to you to hold it for the short period of time I suggested. In that time that you have held on to the money I promise you will have a better ideal on what to do with it and you will also know what it feels like to be mature about saving and spending money, Just by having that knowledge itself will lead you into having more money. Like the old saying goes "When You Got Enough You Get More" "When Dont Have Enough Then What You Have Will Be Taken". I own a small investment firm that I have been running for 2 years and I have seen kids as young as 16 years of age come to me with huge amounts of money and no ideal what to do with it!! It sometimes put me at a lost on what I should tell them to do, but depending on the individuals personality I always seem to find a solution. Hope you take my advice into consideration and best of wishes to you! |
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Indians fan 07
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50 G in an aggressive mutual fund, and 50 G in a stable mutual fund.
That way, I have the chance of making money with one fund and I have the other fund to fall back on if the first one drops in value.
Just make sure that the funds are run by a reputable company with a good investment history. |
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Sunidaze
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My education...have you seen what tuition is these days? I'm halfway through with my bachelor's degree and don't plan to stop there, and my student loan balance is really starting to creep up! |
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sassper
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Roth IRA Account. Better return. By putting in $30 a month, you can be a millionaire by 55 - 60. |
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KEVIN F
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For long term investing you would want Municipal bonds, for short term investing you could do realestate or land development. It all depends on your time frame and risk. Need more info. |
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Shelby67grl
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Myself |
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Southpaw
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The production of How to Lose Weight pills and a paid program commercial. I would then sell those pills at the price of $79.95 and advertise on the commercial and become a millionaire overnight. |
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Alan S
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either gold (properly timed) or emerging energy technologies. Industrial hemp for ethanol is a very good one because most people still buy into the government's propaganda which means you can get a big chuck of the action for a small investment. I see the truth about why industrial hemp was put down in 1937 (under the name of "marijuana") coming to light in the very near future. Once the prohibition laws are put down then we will be free to explore this exceedingly valuable crop. |
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Jessica M
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I would feed the poor because then the result of it would be priceless, just to know that they could sleep without the pain of hunger. I think they should eat it up before inflation does it for them. |
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Charm Brown
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You must first decide how long you want that money tied up. I would be a VC (venture capitalist) and invest in someone elses big business idea. That kind of investment has huge return but is verfy speculative (high risk). |
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katrinagibson13
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I would finish the remodel my house, sell it and buy another one closer to my hubby's work. In the long run, it would be a good investment because he drives over an hour one way to work 6 days a week. We would save a bundle in gas and car repairs. |
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Just Asking?!?!
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Real Estate |
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[Tsuniper-X]
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i would invest on nuclear weapon and kill all "good" people. Just, jealous and stuff... :D |
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A.Marie
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land, because sooner or later we're all going to keep giving birth to more than two childeren and over-populate the country and we're going to need lots and lots of land for real estate. So buy land, maintain it, and in 25 years, make a fortune! |
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mel_17_4
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Pay off my mortgage |
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the sealer
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This is what I have found out about investments. I called the bank to get interest rates on different savings. A $3,000.00 CD will earn $67.00 in 7 months, that's $114.84 for 1 year. in about 5 years on $100,000.00 CD you would get about $3.428.50, more or less. Now on the other hand, if you were to loan it out , you could double or triple you investment. If you were to loan out say, $10,000.00 for 5 years, and charge 15% interest flat rate, that's $1,500.00 per year times 5 years,=$7,500.00 earnings. Now multiply that times 10 and you have $75,000.00 return in 5 years.. At the end of 15 years you will have $325,000.00 to retire with. |
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Nightrider
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Some numbers......
Your split of the money should be: 45% in equity, 45% in bonds and 10% in cash. It should be following the rule of 72 - that is, 72 divided by the % return (8% is a good expectation) will tell you the number of years it takes to double your investment.
Why 45%? It is a rule of thumb. But you must work that % like this: 100 minus your age (assume 55) is 45. This is the percentage that should be in equities and no more.
If your investments go out of whack in % terms, re adjust once a year and re evaluate your goals. It is called asset allocation.
DO NOT watch your portfolio every day. Stay informed but do not make rash decisions.
That's all there is to it. No magic. |
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Soon to be Mrs.
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Definitely land... the only commodity that consistently increases in value. |
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Jen H
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A beach or a lake house. This way you can make money during the seasons, but in the off season you have the house to yourself and maybe even somebody *special*. |
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